| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | BLUE CROSS BLUE SHIELD OF TEXAS | $173K | $9K | $182K | 4.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | $0 | $38K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.12% |
| BARDWELL BENEFITS LLC3 | 1445 AVERY ROAD CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 6.87% |
| STEVEN MONEY3 Filed as: STEVEN D. MONEY | 225 WING MILL ROAD ATLANTA, GA 30350 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.95% |
| AUSTIN J RICE3 Filed as: AUSTIN J. RICE | 2202 TAYSIDE XING NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $796 | $0 | $796 | 0.56% |
| ELENI A NIKOLAS3 Filed as: ELENI A. KRAUSE | 3869 WINTERGREEN COURT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $686 | $0 | $686 | 0.48% |
| ELENI A NIKOLAS3 Filed as: ELENI A. NIKOLAS | 3869 WINTERGREEN NORTH COURT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $271 | $0 | $271 | 0.19% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH B. DUCKETT | 119 NORTHBROOKE TERRACE WOODSTOCK, GA 30188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $271 | $0 | $271 | 0.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $4K | $1K | $6K | 13.31% |
| YVETTE MAYO3 | PO BOX 5025 WINTER PARK, FL 32793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4K | $0 | $4K | 17.62% |
| VICKY METHVEN3 | 370 GREEN OAK DRIVE KERRVILLE, TX 78028 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $122 | $0 | $122 | 0.57% |
| KACY LAVENDER3 Filed as: KACY LAVENDERQ | 307 SPRING CREEK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $75 | $0 | $75 | 0.35% |
| JOHNATHAN BRADFORD AND OTHER AGENTS3 | 1000 WATTER MAN STREET MINDEN, LA 71055 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $67 | $0 | $67 | 0.31% |
| JOHN R. MAYO3 | PO BOX 5025 WINTER PARK, FL 32793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $62 | $0 | $62 | 0.29% |
| DEBORAH D MOSLEY3 Filed as: DEBORAH D. MOSLEY | 168 WAGON TRAIL ROAD MACRAE, AR 72102 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $51 | $0 | $51 | 0.24% |
| MARTHA SHASTEEN3 Filed as: MARTHA AND STEVEN SHASTEEN | 520 CHAPMAN LANE MARIETTA, GA 30066 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $44 | $0 | $44 | 0.21% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 742 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,009 | $4.3M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 1,009 | $4.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 529 | $43K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 742 | $256K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 742 | $256K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 742 | $256K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 1,009 | $4.3M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 742 | $420K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,009 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.